Why Pre-Qualification is Important

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It is important to consult your mortgage loan professional early — even before you've started narrowing down neighborhoods. What for? What can we do for you before you have made your offer, and do not know yet how much you need to borrow?

Pre-Qualify

We can help you determine the loan amount you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. We can achieve this by analyzing your debts and income, your work and residence circumstances, the funds available for a down payment, required reserves, and some other things. It's a quick, thorough process with minimal risks for papercuts.

Once you are considered eligible, we prove our confidence in your capacity to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qual Power

When you locate the house that is ideal for you, and you want to put together an offer, being pre-qualified for a loan will do several things. First, you have some definite numbers in mind, as the total you can borrow. Even more important to the seller, your pre-qualification gives them certainty - as if you'd arrived at their house with a bag of cash to back up the offer! They will not need to worry that they're wasting their time if you won't be able to have the ability to qualify for a high enough mortgage. The seller of the home won't be concerned that he can't trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount will not be something for them to be concerned about. They have a virtual guarantee that they can trust your buying power.

We can help you pre-qualify

We can help you see how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. We achieve this by analyzing your debts and income, your work and residence circumstances, your available funds for down payment, required reserves, and other considerations. We will require a minimum amount of paperwork, with a short, basic process.

Face to Face

You can certainly use the mortgage calculators on our site to calculate how much mortgage you can afford - but it's also essential to talk with us. For one thing, you will want a Pre-Qualification Letter! Then, we will make sure we have the best mortgage loan program for your situation. Contact us at 9094671090 to get started.

Have questions about pre-qualifying? Call us at 9094671090. We answer pre-qualification questions every day.